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Will My Student Loan Debt Affect My Mortgage Application?

Since the 2014 Mortgage Market Review, the rules on lending are much stricter than they ever were before. Lenders now take a detailed look at your credit history, income and outgoings when you apply to them for credit. The review recommended that lenders treat student loan debt as a "committed expenditure", meaning that they include your student loan repayments in calculations regarding your affordability. However, you shouldn't worry too much about your student loan debt if you're applying for a mortgage. Instead you should focus on any other debt you might have outstanding and aim to clear this off instead, as any debt on top of your student loan repayments is far more likely to have a detrimental impact on your application as it will all affect your affordability.